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Some lenders do not report to the credit bureaus, some may only report to one credit bureau. Since you only see Transunion and Equifax on here, you may consider checking your Experian report to see if they report there. If a lender chooses not to report to the credit bureaus there is nothing that you can do, with the exception of refinancing the loan with a lender that does report to the credit bureaus. There is no way to add accounts to your reports yourself and there are no laws that require a lender to report to the credit bureaus. The reason that some lenders do not report to the credit bureaus is because doing so would cost them money.

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